Department of Commerce

Washington, DC · 1 · Charter #16410 · www.docfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$764.6M
84th percentile
Members
29,127
52th percentile
Total loans
$681.2M
95th percentile
Total shares
$610.9M
80th percentile

Profitability

Return on assets
0.58%
24th percentile
Net interest margin
2.77%
15th percentile
Efficiency ratio
43.30%
93th percentile
Non-interest income ratio
10.02%
8th percentile

Capital & Risk

Net worth ratio
6.91%
0th percentile
Delinquency rate
1.52%
11th percentile
Net charge-off rate
1.75%
3th percentile
Loan-to-share
111.51%
97th percentile

Growth

Member growth YoY
-5.48%
9th percentile
Asset growth YoY
-10.51%
0th percentile
Loan growth YoY
-6.04%
6th percentile
Share growth YoY
-9.67%
0th percentile

Operations

Members / branch
14,564
97th percentile
Assets / member
$26,252
92th percentile
Field of membership penetration
5.83%
59th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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